Privacy Policy
The Hometown Mortgage Co. is committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data.
Last Updated: January 1, 2023
1. Introduction
The Hometown Mortgage Co. ("Company," "we," "us," or "our"), NMLS# 2645893, operates the website located at www.thehtmortgage.com (the "Site") and provides mortgage lending services in the state of Utah. We are licensed under Utah DRE Mortgage Office License # 14186007.
This Privacy Policy describes how we collect, use, disclose, and protect information that we obtain from and about visitors to our Site and customers who apply for or receive our mortgage products and services. It also describes your choices regarding use, access, and correction of your personal information.
By accessing or using our Site, or by submitting an application or inquiry, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Site or services.
2. Information We Collect
We collect information in several ways depending on how you interact with us:
A. Information You Provide Directly
When you submit a loan application, contact form, or request a rate quote, we may collect:
- Full legal name, date of birth, and Social Security Number
- Current and previous addresses, phone numbers, and email address
- Employment history, income, and asset information
- Credit history and financial account information
- Property information for the home being purchased or refinanced
- Government-issued identification documents
- Any other information required to process your mortgage application
B. Information Collected Automatically
When you visit our Site, we automatically collect certain technical information, including:
- IP address and approximate geographic location
- Browser type, version, and operating system
- Pages visited, time spent on pages, and referring URLs
- Device identifiers and browser cookies
- Clickstream data and interaction logs
C. Information from Third Parties
We may receive information about you from third parties in connection with processing your mortgage application, including credit bureaus (Equifax, Experian, TransUnion), employers, financial institutions, appraisers, title companies, and government agencies.
3. How We Use Your Information
We use the information we collect for the following purposes:
5. Financial Privacy (GLBA Notice)
As a mortgage lender, we are subject to the Gramm-Leach-Bliley Act (GLBA), which requires us to provide you with a notice of our privacy practices regarding your nonpublic personal financial information (NPI).
What we collect: We collect NPI from you (e.g., application information, income, assets, credit history) and from third parties (e.g., credit bureaus, employers) to process your mortgage application.
What we disclose: We may disclose NPI to affiliates and non-affiliated third parties as permitted by law, including to service providers who assist us in processing your loan and to investors who purchase your loan.
How we protect your information: We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your NPI.
Your opt-out rights: You have the right to opt out of certain disclosures of your NPI to non-affiliated third parties. To exercise this right, please contact us using the information in the "Contact Us" section below.
7. Data Security
We implement industry-standard security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, and destruction. These measures include:
- SSL/TLS encryption for all data transmitted through our Site
- Secure, access-controlled systems for storing loan application data
- Regular security assessments and employee training
- Compliance with federal and state data security requirements
- Limited access to personal information on a need-to-know basis
While we take reasonable steps to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
8. Your Rights & Choices
Depending on your location and applicable law, you may have the following rights regarding your personal information:
To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
9. Children's Privacy
Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child under 18, please contact us immediately and we will take steps to delete such information.
10. Third-Party Links
Our Site may contain links to third-party websites, including our online loan application portal (my1003app.com) and other service providers. These websites have their own privacy policies, which we encourage you to review. We are not responsible for the privacy practices or content of third-party websites. The inclusion of a link does not imply our endorsement of the linked site.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, notify you by email or by posting a prominent notice on our Site.
Your continued use of our Site or services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.
12. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us:
We will respond to privacy-related requests within 30 days of receipt. For requests related to your mortgage loan file, please note that certain records are subject to mandatory retention requirements under federal and state law.
Legal Disclaimer: The Hometown Mortgage Co. NMLS#: 2645893 | Utah DRE Mortgage Office License # 14186007. All loans subject to credit and property approval. The Hometown Mortgage Co. is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.